As a new parent, it’s money. Daycare costs $400 USD per week in my area, from 7am-6pm, 5 days a week.
So for one child that is roughly 20,000 USD annually.
Once you hit the 3-5 kid mark, it usually does not make sense for the spouse to work, unless they are earning well above 6 figures.
So then you’re going down to one income supporting a family of 3-5. That’s risky for a variety of reasons.
If you want actual actions congress can take:
1. Expand limits on the dependent HSA account to allow more than 5,000 annually. Daycare alone is much more than 5,000 USD, it seems making that completely tax free will help.
2. Subsidize the entire cost of daycare. This will never happen but by golly it will work.